Umpqua Bank Review
Umpqua Bank is a Pacific Northwest community bank delivering personal, business, and digital banking solutions.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | Umpqua Free Checking | No monthly fee |
Savings: | Umpqua Savings | 8.00% APY |
Credit: | Umpqua Cash Back Mastercard | 1% cash back |
Mortgage: | 30-Year Fixed | 3.85% interest rate |
Fee Rating
3.3/5
Lower is better
FDIC Insured
Yes
Certificate: 123085431
Digital Banking
4.1/5
Online & Mobile Experience
Branch Network
350
Physical Locations
Key Features
- Digital innovation; regional brand; community focus.
Bank Information
Routing Number
123085431
SWIFT Code
UMPQUS33
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-877-486-7782
Mon–Fri 8am–7pm PT
Headquarters
Portland, OR, USA
Years in Business
72 years (Est. 1953)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
8–20 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
SSL; device recognition
Login Instructions
Enter user ID & password → verify
Login Help
Call customer service: 1-877-486-7782
Hours: Mon–Fri 8am–7pm PT
Products & Services
Accounts & Products
Checking
Umpqua Free Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$30
ATM Fee
$2
Savings
Umpqua Savings
APY
$8.00%
Annual Earnings
$8.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
Umpqua Cash Back Mastercard
Annual Fee
$0
Cash Back
$1%
APR Range
$13.99% - 23.99%
Network
$Mastercard
Mortgage
30-Year Fixed
Interest Rate
$3.85%
APR
$3.975%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$45,000
Max Loan Amount
$650,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with Umpqua Bank?
Visit their website to explore account options and start your application